Inurance co withholding NCD

[Mwynci]

They are fully within their rights to do this, the FOS website will be full of failed challenges, citing the bonus being a no claim bonus, not a no blame bonus.

 

There's nothing stopping you giving the third party insurer's (not the third party themselves) a call to find out what's going on, it might not go down well, the third party insurer may tell you to get lost, but at least you'll get an idea of what's going on. If I was to take an educated guess it's the hire claim that's messing things up somewhere along the way.

 

There'd no harm in being a nusiance, especially if you'e moved insurers, sometimes it's the only way to get results.

[Mwynci]

Hi Travis, I'm not sure about the discretion issue, I can't see that worded any where , what the insurers are clear about is the word will, instead of may or might, and then put a discretion statement, if there is more, you may have them on that point, otherwise I don't tank the wording can be any clearer than that. If there are misconceptions about what the bonus is, that is the consumers error, as again no claim bonus is what it says it is.

Re the questions, this will depend on what has been told to you, if you have been advised you can tell the new insurer this information, they are in the wrong. This may be a different turn to the complaint, but it will have to be proven they have done this.

My advice is not to try to find fault in the wording, too many people fail on this, just complain about the basic facts I am not happy because this should be straight forward it is affecting my new premium, why is it taking so long, what is the problem, what have you done about it, what are you going to do about it, and be ahead, if they start blaming the other side, ask for their telephone number..... See if they suddenly change tone. ........ Make them work for it.